In D.IV, your finances will be pretty tight. What you haven't included is the revenue from a home league game. You will typically have one home league game each week, but not always.
As others have mentioned, cut back on the scouting. In D.IV, you might cut clear back to $5000/week. There are quite a bit of new teams in D.IV, and there will probably be a few in your league who simply sign up. When it comes to drafting, they will draft blindly. In addition, most other teams will be in the same financial constraint as your team, and won't know about most players in the draft, so you should be able to do OK in your initial draft, even without a whole lot of information.
Starting this season, there is no gate money for cup games. The winner of each game does get a payment, but it is modest ($25,000) in the early rounds.
PS Just becayse your opponent is a bot, don't assume that they will be a pushover. Go with your best lineup.
PPS It happens that your cup opponent could be given a new owner before the game is played. There is not really much you can do about that. The good news is that an owner on their first day might not do any better than a bot will do.